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The Nation’s Most Trusted

Source for Small Business Lending

Welcome to Our Site

“The best way to predict the future is to create it”.

Abraham Lincoln

"Cherish your visions and your dreams, as they are the children of your soul; the blueprints of your ultimate achievements."

Napoleon Hill

"Dream lofty dreams, and as you dream, so shall you become. Your vision is the promise of what you shall one day be; your ideal is the prophecy of what you shall at last unveil."

James Allen

"No dreamer is ever too small; no dream is ever too big."

Anonymous

"At first, dreams seem impossible, then improbable, and eventually inevitable."

Christopher Reeve

"Dreams pass into the reality of action. From the action stems the dream again; and this interdependence produces the highest form of living."

Anais Nin

"If you can dream it, you can do it."

Walt Disney

Get Started

$0

1years

Welcome to The American Lender NAME,

and thank you for taking the time to complete this form.

We’re pleased to inform you that based on the information you’ve entered

Businesses like yours Qualify for

$CALCULATED AMOUNT

Just imagine how that money will help you

To complete your application online, or speak directly with one of small business analysts, please choose from below.

X

Complete Your Application

YOUR APPLICATION IS NOW DOWNLOADING..

Please fill out the following application, print, sign and send it to us either by email to info@theamericanlender.com or by fax to 1-888-909-4207

We look forward to working with you.

X

REQUEST A CALL

We appreciate your time and efforts,

a representative will be in contact shortly.

We look forward to working with you.

How Much Can I Get?

Tell Us a Little Bit About Your Business

$0

1years

Hey we’ve got great news; Businesses like Yours Qualify for

$____________ !

Let’s keep going. We’ve got a great Whitepaper to share with you regarding the benefits of 

Learn More

Short term Working Capital is great for

Small business owners use short-term working capital for many other reasons, too!

Thank you for your interest. Please download your Whitepaper by clicking on the link below.

Give Our Small Business Calculator a Try…See What Your Business can qualify for!

Tell Us a Little Bit About Your Business

$0

1years

Hey we’ve got great news; Businesses like Yours Qualify for 

$___________ !

Just imagine how that money will help you

Just provide us with a little more information to see if you qualify:

Thank you for your time and interest. Please download your Whitepaper by clicking on the link below.

Thanks again, we look forward to working with you.

If you’d to complete your application, or speak directly with one of small business analysts, please choose from below.

X

Complete Your Application

IF COMPLETE APPLICATION, START APPLICATION DOWNLOAD

Please fill out the following application, print, sign and send it to us either by email to applications@theamericanlender.com or by fax to 1-888-909-4207

We look forward to working with you.

X

REQUEST A CALL

We appreciate your time and efforts,

a representative will be in contact shortly.

We look forward to working with you.

About Us

At the American Lender, we are committed to serving the Small Business Community.

In September of 2014 a group of the industry’s thought leaders concluded that there was a better way to serve both small business owners and the lenders that provide them capital. We founded The American Lender.

In order to provide small business owners the capital they need, regardless of their industry, size or credit, we have chosen a wide-ranging set of trustworthy lending partners. This gives us the ability to get our clients approved. That’s what we do.

Our collective strength, experience and reputation has enabled us to negotiate for the most competitive pricing, the best service levels and early access to our lending partners’ latest offerings. In different capacities, we’ve each worked with these lenders for years. They trust us.

All of this benefits you, our client, in many ways…

Getting your application to the right lender can be tricky. Getting your application to the wrong one can be costly. We’ve seen situations in the past where prospective clients’ application had been submitted to many lenders and their personal credit had been run numerous times, severely impacting their credit and their ability to obtain financing. We won’t let this happen. We are well versed in all of our lending partners’ underwriting guidelines, so your application will be sent only to those best suited for you.

We’ll work with you to be thorough and effective throughout the process. We are guaranteed the quickest turnaround time from our lending partners, conditioned of course, upon us sending complete paperwork. We are competent, and we’ll guide you the whole way through. Once you’re ready, we’ll move fast.

Upon approval, you can be sure that you’ve received the best rates and terms. Remember, we’ve already negotiated the best rates on your behalf, so that you win.

 

Isn’t it time you worked with a partner you can trust?

How It Works

Small Business Loans

It’s simple to apply and be approved for a small business loan. Here, we’ll explain each of the steps involved, so that you’ll know what to expect.

We work with existing small businesses, with minimum annual revenues of $120,000. Our median client has been in business about 5 years, has annual revenues of nearly $600,000 and receives a loan of about $50,000. Our clients receive typical terms of 3 to 24 months.

Since the lenders we work with base the majority of their decisions on cash flow and the overall health of your business, personal credit scores play a minor role. We serve most industries and are able to help you secure capital for most uses. With complete paperwork at each stage, it is common for our clients to receive their funding within 3 days.

  • 1

    Application

  • 2

    Qualification

  • 3

    Approved!

  • 4

    Funding & Repayment

  • 5

    Obtaining Additional
    Capital

Step 1 Application

The application is simple, click here to download and get started.

You’ll also need to send us your 3 most recent business bank statements, and your 3 most recent merchant processing statements if you accept credit cards as a means of payment at your business.

At this point, you’ll begin to work with one of our Small Business Advisors.

Step 2 Qualification

We’ll get to know you, by letting you do the talking, while we do the listening. Our Industry focus helps our advisors develop a rich understanding of your business as well as the best way to help you meet your needs (reach your goals).

Because we have chosen a wide-ranging set of trustworthy lending partners, there’s a good chance you’ll be approved for small business financing.

Step 3 Approved!

Once approved your Advisor will work with you to choose the offer that best suits your business. We’ll do so by explaining the benefits of each of the offers as regards to rates and total costs, payment amounts and eligibility for additional financing. We’ll work with you to help you make the right choice for your business.

In addition to completing your contract, you’ll need to submit some other documents. For our average-sized offer, it’s usually just a business lease, a voided check and a driver’s license, for larger loans we may request additional documents.

Step 4 Funding and Repayment

Congratulations, you did it! In most cases, our clients receive their funds in as little as 3 days, now start building.

Small and simple to manage fixed payments are automatically taken each business day, leaving you to focus on what it is you do best; growing your business.

Step 5 Obtaining Additional Capital

Before you know it, you’ll be eligible to receive additional financing, usually with substantial savings to you. The Renewal process is even simpler, and you’ll be rewarded for your good payment history.

Working with The American Lender is like having your own CFO, always there for you, providing sound advice from a trusted source.




Equipment Leasing

Equipment Leasing is a simple, cost-effective way for Small Business Owners to get the equipment they need to run and grow their businesses. With the ease of getting approved and the low out of pocket expenses, it’s no wonder that over the last decade, 80% of businesses have leased or financed 30% of their assets acquired. The primary reason why businesses use equipment leasing and financing to acquire the equipment, vehicles, or software they need is the ability to allow the purchase to pay for itself over time.

Equipment leasing is a process in which the leasing company provides financing for new or used equipment to the Small Business Owner. Leasing preserves cash flow and offers fixed monthly payments which are often times 100% tax deductible. Additionally, it helps businesses maintain the latest equipment and build strong business credit. Contractually, there is a relationship between you, the Small Business Owner and the Leasing Company. The contract states that the Leasing Company will purchase the equipment, and grant you use of the equipment for a specified term in exchange for a predetermined monthly rent payment. The contract also details of the end of term purchase option if transfer of ownership is desired.

How it Works

It’s simple to apply and be approved for an equipment lease. Here, we’ll explain each of the steps involved, so that you’ll know what to expect.

We work with existing small businesses, with minimum annual revenues of $120,000. Our median client has been in business about 5 years, has annual revenues of nearly $600,000 and receives a loan of about $50,000. Our clients receive typical terms of 3 to 6 years.

Our leasing partners analyze contributing business factors such as time in business, existing obligations and annual sales. From a personal standpoint, credit reviews for companies that are considered closely held may include a cursory review of the personal credit history of the ownership. Regarding your borrowing history, a comparable borrowing reference may be reviewed.

  • 1

    Find the Equipment
    You Need

  • 2

    Application

  • 3

    Approved!

  • 4

    Have it Delivered,
    Inspected and Approved.

Step 1 Find the Equipment You Need

Either online or from your local vendor or supplier. Make sure to choose the right equipment, items that’ll ensure your business remains functional and has adequate capacity.

The application is simple, click here to download and get started.

Step 2 Application

Complete our simple 1 Page Application and submit it along with your Equipment Sales Quote. At the American Lender we simplify the leasing process. Our equipment leasing application takes only a few minutes to complete. In most cases, you will receive a decision within hours, and we can provide same-day funding in many cases. Additionally, you’ll work closely with one of our dedicated professionals throughout the entire process to ensure your needs are met and your questions are answered.

Step 3 Approved!

Once you’ve been approved, you’ll complete the Lease Agreement for the offer that suits your needs. We can provide you up to $200,000 with a one-page credit application and up to several million with a full financial package. Credit approval can be completed within one hour.

Step 4 Have it Delivered, Inspected and Approved.

Once you’ve approved the items delivered, our leasing partners will fund the transaction, usually within 48 hours. Step 5 – Make your Timely Monthly Payments.

Each month, a predetermined monthly payment will be due. Our lenders make this process easy by offering you several convenient and easy methods. Timely payments are the best way to continue to improve both your business and personal credit.

Equipment Leasing End of Term Options

There are a number of considerations when deciding on an end of term option. Even though the total cost of funds is the same, each of the options will directly affect your monthly payment

$1 End of Term Lease: Payments are based on 100% of the purchase price and therefore yield a higher monthly payment than the other lease programs. If the acquisition has a long useful life and ownership is desired after the lease term, this is the most common option. Purchase of the equipment is made at the end of the term for $1.

Fair Market Value Lease: The FMV lease program provides the most flexibility and the lowest monthly payments. At the end of the term you have the option to purchase the equipment for the fair market value, return the equipment and upgrade, or renew the lease for continued use.

10% End of Term Lease: Payments are based on 90% of the purchase price and marry the benefits of the $1 and FMV lease programs. Payments are lower than the $1 purchase option, and you retain the flexible end of term choices of the FMV program. If you choose to purchase the equipment the price is fixed at 10% of the original value.

 

 

Working with The American Lender is like having your own CFO, always there for you, providing sound advice from a trusted source.

Programs Offered

Small Business Loans

It’s simple to apply and be approved for a small business loan. We work with existing small businesses, with minimum annual revenues of $120,000. Our median client has been in business about 5 years, has annual revenues of nearly $600,000 and receives a loan of about $50,000. Our clients receive typical terms of 3 to 24 months.

Since the lenders we work with base the majority of their decisions on cash flow and the overall health of your business, personal credit scores play a minor role. We serve most industries and are able to help you secure capital for most uses. With complete paperwork at each stage, it is common for our clients to receive their funding within 3 days.

  • Loan Amounts Available - $5,000 to $500,000 or more*
  • Loan Terms Available – 3 to 24 Months
  • Rates – Between 2% and 9% per month (most clients pay around 3% MPR for longer term options)
Required Paperwork

The right amount of financing, for the right term, for the right cost is our goal.

Equipment Leasing

Equipment Leasing is a simple, cost-effective way for Small Business Owners to get the equipment they need to run and grow their businesses. It’s simple to apply and be approved for an equipment lease. Here, we’ll explain each of the steps involved, so that you’ll know what to expect.

We work with existing small businesses, with minimum annual revenues of $120,000. Our median client has been in business about 5 years, has annual revenues of nearly $600,000 and receives a loan of about $50,000. Our clients receive typical terms of 3 to 6 years.

Our leasing partners analyze contributing business factors such as time in business, existing obligations and annual sales. From a personal standpoint, credit reviews for companies that are considered closely held may include a cursory review of the personal credit history of the ownership. Regarding your borrowing history, a comparable borrowing reference may be reviewed.

  • Lease Amounts Available - $5,000 to $500,000 or more*
  • Loan Terms Available – 3 to 6 Years
  • Rates – Between 6% and 15% per month (most clients pay around 10% APR for longer term options)
Required Paperwork

The right amount of financing, for the right term, for the right cost is our goal.

FAQ

Why is The American Lender a Smart Choice?

At The American Lender, we know Small Businesses. Having worked with thousands of business owners just like yourself we know what it takes to stay competitive and grow. And we understand the role that capital plays in running a small business.

We help connect you with the best lenders for your specific situation, whether that is a small business lender, a bank, or something else. With us, you can choose exactly which companies you want to work with, and feel confident that you are getting financing that is tailored to your business needs.Whether you need as little as $5,000 or as much as $250,000 or more, The American Lender can get it done.

What types of industries does The American Lender work with?

We work with the majority of industries in all 50 states, including restaurants, beauty salons, doctors, construction, repair shops, retailers and many more.

How important is my credit score in getting a business loan?

Our lending partners recognize that small businesses vary in size and scope, and that business owners are unique. We work to help you whether you have excellent credit or not. Credit scores are evaluated during the underwriting and are just one of several factors that determine your loan qualifications.

In particular, some of our lenders can provide you with financing based on your credit card transaction volume, or your accounts receivable.

How long do I have to be in business in order to qualify for a loan through The American Lender?

Mainly, our lenders prefer companies that have been in business for at least 2 years, however, we have been able to fund some small businesses that have been in business for as little as 6 months.

What Type of Programs do you offer?

    • Small Business Loans - Depending on your needs, your business can borrow as little as $5,000 and up to $500,000 or more with terms from 3 months to 24 months or more.

 

    • Equipment Financing - Purchases of necessary equipment can be financed up to 100% of the value, using the equipment itself as collateral. Terms range from 6 to 72 months

 

    • Factoring - Your business can receive immediate cash of up to 95% or more of your total invoices by selling your accounts receivable to our factoring partner.

 

    • Merchant Cash Advance - If you need cash fast and do most of your business via credit card sales, this program is definitely worth looking into.

 

  • Business Line of Credit –For our more established clients, we can get you a Revolving Line of Credit, that you can continuously draw from and pay down up to a specified amount, paying interest only for the amount you draw. Typically, the entire balance needs to be satisfied on a yearly basis.

What is the application process?

Applying for financing from The American Lender is simple and typically takes about 10 minutes. You can apply online or over the phone by calling 1-888-328-8667.

What type of paperwork would you require to obtain a loan?

Because we want to look at you beyond your credit score, we would require information that can show us your true strengths. Time in business, cash flow, profitably, use of funds and many other factors play a role in how a decision is made.Depending on your loan amount, we may ask for:

  • 1. Business Tax ID
  • 2. Bank statements for the previous 4 months
  • 3. Credit card statements for the previous 4 months
  • 4. Social Security number of business owner(s)
  • 5. Driver's license number and state of issue

For loans larger than $75,000 we may require additional paperwork such as a business tax returns, balance sheets and profit & loss statement.

What are your fees?

Unlike the others, The American Lender does not charge any fees, that’s right $0, for finding you the loan that you need; instead we managed to obtain a small fee from our lenders once a loan gets funded.

How quickly can I receive my funds in my account?

The whole process can take as little as 1 day, but normally takes 3 to 5 business days.

How does repayment work?

Depending on the product that best suits your needs, our lending partners will deduct a fixed or variable, daily or monthly payment directly from your business bank account, which helps to ensure minimal impact to your cash flow. Our partners’ online loan management portals allow you to monitor this activity 24/7/365.

How do I know that my data is secure with The American Lender?

We apply bank-level security standards to protect your data, including 256-bit encryption, external auditing, off-site backups, and other safe-guarding techniques.

Will The American Lender sell my loan application information?

No –we will only work with lenders that we feel are qualified to work with you; no information is sold to other 3rd party sources.

Careers

The team at The American Lender love their jobs, are passionate about their communities and appreciate the value of Small Business. We are always looking for smart folks, with initiative and drive, that understand the importance of what it is we do. As a young company, there is no limit to where you can grow within the organization. We offer competitive startup salaries and all of our employees are owners of our company.

We are looking for candidates interested in Operations, Technology, Social Media and Sales, in the New York metropolitan area.

If you’re interested, or know someone who is, please contact us at talent@theamericanlender.com.

Cost of Capital Comparison

$ 12202.29

$ 50000.00

Bank Loan

$ 13792.22

$ 50000.00

Equipment Lease

$ 12500.22

$ 50000.00

Short Term Capital Established

Amount of Capital

Interest and Fees





Description Bank Loan Equipment Lease Short Term Capital Established
Term 5 Years 4 Years 1 Year
Interest Rate/Factor 8.95% 12.5% 1.25%
Amount of Capital $ 50000.00 $ 50000.00 $ 50000.00
Interest and Fees $ 12202.29 $ 13792.22 $ 12500.00
Total Payback $ 62202.29 $ 63792.22 $ 62500.00
Monthly Payment $ 1036.70 $ 1329.00 $ 5208.33
Bank Loan
Capital Real Estate
Real Estate
Auto
Leasing Company
Construction Equipment
Manufacturing Equipment
Fleet Services
Other Leasable Asset
Short Term Capital
Inventory
Product Extension
Market Expansion
Marketing Campaigns
Adding Staff
Emergencies
$0

1years







Contact Us

The American Lender

The American Lender, Inc.
222 Broadway
19th Floor
New York, NY 10038

 

The American Lender, Inc.
222 Broadway
19th Floor
New York, NY 10038

Enter Address Two Map details Here...

Enter Address Two Here...

888.383.8842

888.909.4207

info@theamericanlender.com

www.theamericanlender.com

Privacy Policy

This Privacy Policy governs the manner in which The American Lender collects, uses, maintains and discloses information collected from users (each, a "User") of the http://www.theamericanlender.com website ("Site"). This privacy policy applies to the Site and all products and services offered by The American Lender.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

The American Lender may collect and use Users personal information for the following purposes:

  • - To improve customer service
    Information you provide helps us respond to your customer service requests and support needs more efficiently.
  • - To personalize user experience
    We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
  • - To process payments
    We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Changes to this privacy policy

The American Lender has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

http://www.theamericanlender.com
The American Lender 
888-383-8842
info@theamericanlender.com 

This document was last updated on March 4th,2015.